Analisis Pertimbangan Nasabah dalam Memilih Tabungan Easy Wadiah dibandingkan Tabungan Emas pada BSI KCP Bertais Mandalika
DOI:
https://doi.org/10.61722/jemba.v3i6.3248Keywords:
Customer Decision, Easy Wadiah Savings, Gold Savings, Islamic Banking.Abstract
Abstract.
This study aims to analyze customers’ considerations in choosing Easy Wadiah Savings over Gold Savings at Bank Syariah Indonesia (BSI) Bertais Mandalika Branch Office. This research employs a qualitative approach, with informants selected through purposive sampling. Data are collected through in-depth interviews and focus group discussions, then analyzed using thematic analysis. The research focuses on financial needs, monthly administration fees, transaction convenience, product benefits, customer knowledge, and financial readiness for investment. Preliminary interview findings indicate that the absence of monthly administration fees and transaction convenience are initial considerations influencing customers to choose Easy Wadiah Savings. In addition, daily transaction needs and limited funds for gold investment are factors that require further investigation. Meanwhile, Gold Savings has characteristics more closely associated with asset accumulation and long-term investment objectives. This study is expected to provide insights into customers’ considerations when selecting Islamic banking products and offer recommendations for the bank in providing information and services that meet customers’ needs.
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